US · MA
Mastercard Incorporated
- Sector
- Financial Services · Financial - Credit Services
- Headquarters
- Purchase, NY 10577
- Website
- mastercard.com
Price · as of 2025-12-31
$495.46
Market cap 461.58B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $416.22 | -15.99% |
| Intrinsic Value(DCF) | $355.75 | -28.2% |
| Graham-Dodd Method(GD) | $35.31 | -92.87% |
| Graham Formula(GF) | $397.43 | -19.78% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | $38.72 | $55.42 | $36.42 | $10.34 | $42.34 |
| 2012 | $48.97 | $60.22 | $29.19 | $14.08 | $38.96 |
| 2013 | $72.44 | $75.46 | $29.37 | $14.96 | $51.44 |
| 2014 | $82.08 | $80.12 | $29.25 | $13.41 | $65.63 |
| 2015 | $83.45 | $80.63 | $20.04 | $10.82 | $35.01 |
| 2016 | $105.63 | $97.50 | $19.83 | $10.60 | $70.37 |
| 2017 | $175.25 | $134.16 | $29.31 | $7.38 | $85.99 |
| 2018 | $213.38 | $160.21 | $82.63 | $15.49 | $151.28 |
| 2019 | $277.45 | $214.06 | $90.70 | $21.91 | $164.16 |
| 2020 | $371.94 | $235.37 | $29.55 | $9.39 | $0.00 |
| 2021 | $317.21 | $239.49 | $64.68 | $17.18 | $268.29 |
| 2022 | $341.10 | $273.79 | $92.55 | $20.54 | $258.06 |
| 2023 | $463.93 | $338.07 | $189.71 | $24.23 | $241.62 |
| 2024 | $543.63 | $398.37 | $188.42 | $26.96 | $275.57 |
| 2025 | $521.00 | $416.22 | $215.12 | $35.31 | $397.43 |
AI valuation
Our deep-learning model estimates Mastercard Incorporated's (MA) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $416.22
- Current price
- $495.46
- AI upside
- -15.99%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$355.75
-28.2% upside
Graham-Dodd
$35.31
-92.87% upside
Graham Formula
$397.43
-19.78% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| MA | Mastercard Incorporated | $495.46 | 461.58B | -16% | -28% | -93% | -20% | 31.22 | 60.40 | 14.25 | 23.52 | 164.90 | -63.35 | 83.43% | 59.17% | 45.65% | 210.49% | 100.14% | 29.28% | 2.46 | 26.87 | 1.03 | 0.78 | 0.39 | 1893.00% | 1642.00% | 1822.00% | 3.62% | 0.76 | 108.35% | 0.59% | 18.40% | 3.51% | 24.48 | 28.08 | 14.48 | 10.05 |
| ALLY | Ally Financial Inc. | $39.44 | 12.17B | +70% | -30% | +1% | — | 14.50 | 0.80 | 1.02 | 9.84 | 45.79 | 0.80 | 51.98% | 8.65% | 7.01% | 5.80% | 5.49% | 0.44% | 1.40 | 0.16 | 0.90 | 0.90 | 4.79 | 3167.00% | -2575.00% | -47453.00% | -32.38% | 0.00 | -25.75% | 3.96% | 57.40% | 4.44% | 22.92 | -6.02 | 1.98 | 0.03 |
| AXP | American Express Company | $308.90 | 212.79B | -47% | +34% | -77% | -19% | 19.72 | 6.38 | 2.66 | 13.42 | 203.33 | 7.49 | 62.85% | 20.64% | 13.39% | 33.99% | 31.68% | 3.79% | 1.73 | 5.91 | 0.28 | 0.28 | 0.61 | 970.00% | 844.00% | 3183.00% | 7.49% | 0.11 | 38.89% | 1.06% | 21.00% | 4.01% | 13.42 | 13.93 | 2.77 | 0.56 |
| COF | Capital One Financial Cor… | $195.64 | 124.37B | -35% | +1,613% | -33% | -18% | 42.83 | 0.92 | 1.52 | 1.46 | — | 1.53 | 47.33% | 3.29% | 3.54% | 2.81% | 5.79% | 0.42% | 0.00 | 0.07 | — | — | -0.40 | -7101.00% | 2839.00% | 5417.00% | 24.88% | — | 66.36% | 1.68% | 72.10% | 10.68% | 4.82 | 0.42 | 0.16 | 0.54 |
| PYPL | PayPal Holdings, Inc. | $46.21 | 43.24B | +158% | -45% | -24% | +50% | 8.36 | 2.16 | 1.31 | 5.63 | 23.50 | 4.76 | 47.03% | 19.70% | 15.70% | 25.73% | 27.80% | 6.47% | 0.49 | 14.89 | 1.29 | 1.25 | 0.25 | 3559.00% | 485.00% | -1778.00% | 12.72% | 0.14 | 28.32% | 0.30% | 2.50% | 17.28% | 6.60 | 7.79 | 1.30 | 1.89 |
| SOFI | SoFi Technologies, Inc. | $17.76 | 22.65B | +177% | +343% | -44% | -16% | 43.94 | 2.02 | 4.43 | 9.41 | — | 2.49 | 68.73% | 35.27% | 10.09% | 5.66% | 24.13% | 1.11% | 0.17 | 1.45 | — | — | -1.62 | 0.00% | 2878.00% | 21049.00% | -18.84% | — | -62.45% | 0.00% | 0.00% | 18.18% | 10.72 | -4.53 | 3.78 | 0.62 |
| UPST | Upstart Holdings, Inc. | $27.23 | 2.67B | +273% | +876% | -62% | +32% | 50.67 | 3.40 | 2.53 | 49.37 | — | 3.75 | 95.21% | 5.05% | 4.98% | 7.49% | 3.26% | 2.01% | 2.32 | 1.05 | 2.99 | 1.88 | 15.07 | -13125.00% | 5887.00% | -19421.00% | -6.12% | -0.37 | -10.12% | 0.00% | 0.00% | 0.00% | 71.94 | -23.53 | 3.63 | 1.32 |
| V | Visa Inc. | $320.14 | 617.24B | -25% | -47% | -92% | -39% | 32.00 | 16.93 | 16.05 | 24.81 | 662.56 | -66.76 | 80.36% | 59.98% | 50.14% | 52.07% | 46.32% | 20.66% | 0.66 | 40.74 | 1.08 | 0.84 | 0.19 | 483.00% | 1134.00% | 1543.00% | 3.36% | 0.66 | 50.24% | 0.72% | 23.10% | 3.41% | 26.89 | 29.90 | 16.13 | 7.68 |
About Mastercard Incorporated
Mastercard Incorporated, a technology company, provides transaction processing and other payment-related products and services in the United States and internationally. It facilitates the processing of payment transactions, including authorization, clearing, and settlement, as well as delivers other payment-related products and services. The company offers integrated products and value-added services for account holders, merchants, financial institutions, businesses, governments, and other organizations, such as programs that enable issuers to provide consumers with credits to defer payments; prepaid programs and management services; commercial credit and debit payment products and solutions; and payment products and solutions that allow its customers to access funds in deposit and other accounts. It also provides value-added products and services comprising cyber and intelligence solutions for parties to transact, as well as proprietary insights, drawing on principled use of consumer, and merchant data services. In addition, the company offers analytics, test and learn, consulting, managed services, loyalty, processing, and payment gateway solutions for e-commerce merchants. Further, it provides open banking and digital identity platforms services. The company offers payment solutions and services under the MasterCard, Maestro, and Cirrus. Mastercard Incorporated was founded in 1966 and is headquartered in Purchase, New York.
- CEO
- Michael Miebach
- Employees
- 35.3K
- Beta
- 0.82
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($355.75 ÷ $495.46) − 1 = -28.2% (DCF, example).